Relates to the issuance, records, and delivery of certificates of title; requires the establishment of an electronic lien and title program

This bill requires New York's Department of Motor Vehicles to establish an electronic system for recording vehicle liens and titles. It mandates that lenders (like banks or credit unions) electronically submit lien information instead of using paper records, with exemptions for individuals not regularly involved in vehicle financing. Vehicle owners and lenders will no longer automatically receive physical title certificates; titles will remain electronic unless a physical copy is specifically requested. The system also changes how lien releases are processed, requiring electronic reporting when a car loan is paid off to update title records.